California Contractor Insurance
Asena Capital Insurance Services — California-licensed insurance brokerage serving contractors statewide. Phone: (858) 925-9555. Email: info@asenainsurance.com.
Modesto is home to 430 licensed general contractors (B, CSLB September 2026) — #35 in California, about 35% of the 1,245 contractor licenses based here.
Nearby in Stanislaus County: Turlock (143), Oakdale (131), Ceres (74), Riverbank (47).
27% of Modesto's B licensees hold more than one classification — most often A General Engineering Contractor (5%), C-36 Plumbing Contractor (5%). Extra classifications can change how carriers rate your general liability and workers' comp, so list every license class when you quote.
Business structure: 48% sole owners, 47% corporations, 4% LLCs; median time licensed 16.3 years.
For general contractors, underwriters focus first on: builder's risk on projects under construction; and crew trucks, trailers and equipment. See the full coverage guide for general contractors for limits, endorsements and workers' comp rules.
Asena Capital Insurance Services compares multiple markets for Modesto contractors and requests additional insured endorsements for you when a contract calls for them. Call (858) 925-9555 or request a quote — only your name, phone and email are required. CA License #6008596.
430 active B licenses have a business address in Modesto (CSLB, September 2026); 41% carry workers' comp and 57% are filed exempt.
Today a B license with no employees can file an exemption. Beginning January 1, 2028 (SB 1455), CSLB will require workers' comp for all active licenses, except joint ventures.